Easier ways to achieve personal finance aims in New Year’s resolutions

IT’S that time of the year again, when people flock to gyms and pick up Marie Kondo’s books to try and achieve their goals in the new year.

“Exercise regularly” and “declutter my home” are good resolutions to have, but they are also notoriously difficult to keep up with.

The problem lies in the difficulty that most people will face with keeping new habits alive, or breaking old ones. In time, the gyms empty out as people get busier and the clutter builds.